Christmas comes early for Sears, Kmart customers

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HOFFMAN ESTATES, Ill. Customers that activate their Christmas Club cards before Oct. 31 at Sears or Kmart can receive a 3% reward.

The Christmas Club card helps customers avoid incurring credit card interest or debt on holiday purchases. Customers can use their cards to make purchases across all Sears and Kmart platforms in-store and online as well as paying off their layaway purchases.

"The holidays are fast approaching and we know that many Americans feel guilty they haven't begun saving or haven't saved enough so far," said Susan Ehrlich, financial services presiden at Sears Holdings. "With the Christmas Club card program, customers still have time to save and receive a reward on their balances as of Nov. 15, by activating their Christmas Club cards before the end of this month."